Not happy with what I have been told

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Foggy

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Post by Foggy » Wed Sep 12, 2018 5:53 pm
rachel655 wrote:
I am with aperture I phoned step change to get some advice

Think I am cottoning on now ---- how many payments did you miss ? It is standard practice, and part of the agreement, that three missed payments, without agreement, is a fail.

If they haven't issued the termination notice yet, they might be able to save it. If they can't or won't, you will have to wait for a couple of months for the paperwork to go through.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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rachel655

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Post by rachel655 » Wed Sep 12, 2018 8:57 pm
I have missed more than three payments but what I said is why did they fail it 2 days early

Foggy

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Post by Foggy » Thu Sep 13, 2018 6:43 am
rachel655 wrote:
I have missed more than three payments but what I said is why did they fail it 2 days early
You need to ask them that. Are you both using the same start date for the 7 days notice they gave you ? They could be counting 7 days from the date the letter was sent and you might be counting 7 days from when you got it --- only guessing as I have no information here.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Visit my blog here : http://foggy.blogs.iva.co.uk/

rachel655

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Post by rachel655 » Thu Sep 13, 2018 12:09 pm
They are going from the 6th of the date of the letter but it failed on the 10th that is only 4 days not 7

SteveUK

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Post by SteveUK » Thu Sep 13, 2018 12:14 pm
rachel655 wrote:
They are going from the 6th of the date of the letter but it failed on the 10th that is only 4 days not 7

Would you have been able to catch up the missed payments on those 2 or 3 days?

rachel655

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Post by rachel655 » Thu Sep 13, 2018 1:35 pm
No because their did not get a payment from last year I will just sort it out when the paper work comes

kallis3

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Post by kallis3 » Thu Sep 13, 2018 2:36 pm
Why did you miss a payment from last year?
http://kallis3.blogs.iva.co.uk/
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
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rachel655

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Post by rachel655 » Thu Sep 13, 2018 9:42 pm
It does not matter why I missed a payment I will sort it out when I get the paper work that I need

SteveUK

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Post by SteveUK » Fri Sep 14, 2018 10:56 am
rachel655 wrote:
No because their did not get a payment from last year I will just sort it out when the paper work comes
If you couldn't have made the payments up what difference does the 2 days make?

rachel655

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Post by rachel655 » Fri Sep 14, 2018 12:49 pm
They should have closed it when they said not early

SteveUK

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Post by SteveUK » Fri Sep 14, 2018 1:14 pm
rachel655 wrote:
They should have closed it when they said not early
I'm obviously missing something here.

rachel655

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Post by rachel655 » Sat Sep 15, 2018 3:03 am
I got told off who I am with it is closed but when I phoned step change for advice they said it was still active

SteveUK

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Post by SteveUK » Sat Sep 15, 2018 5:39 am
rachel655 wrote:
I got told off who I am with it is closed but when I phoned step change for advice they said it was still active
Probably because the termination hasn't yet filtered through the system.

Foggy

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Post by Foggy » Sat Sep 15, 2018 7:59 am
rachel655 wrote:
I got told off who I am with it is closed but when I phoned step change for advice they said it was still active
With any firm it would show as active for a while (maybe a couple of months). Aperture, however, are not as fast off the block as many, so it might be a little longer.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Visit my blog here : http://foggy.blogs.iva.co.uk/

IVAconfused75

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Post by IVAconfused75 » Tue Sep 18, 2018 9:10 am
I have to say, Foggy and Kallis3 are very patient with people on here. Especially when information comes in a very mish mash format....
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